The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,527
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$523/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$500/mo
Today · 4.125%
HK$19,380
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,760/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,833
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,450
−HK$626/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,359
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,064
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$601/mo
Today · 4.125%
HK$23,256
baseline
▲ 0.50% · 4.625%
HK$24,482
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,512/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,138
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,858
−HK$731/mo
Today · 4.125%
HK$24,589
baseline
▲ 0.50% · 4.625%
HK$26,085
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,178/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,741
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,431
−HK$701/mo
Today · 4.125%
HK$27,132
baseline
▲ 0.50% · 4.625%
HK$28,562
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,264/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$941/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,538
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,096
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,983
−HK$901/mo
Today · 4.125%
HK$34,884
baseline
▲ 0.50% · 4.625%
HK$36,722
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,768/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,440 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).